Income or cash flow
A provider may review income stability, business cash flow, existing obligations and repayment capacity.
Eligibility guide
Understand the factors that may affect eligibility.
Every lender and product can use different criteria. This page is general guidance, not a pre-approval or eligibility decision.
Existing repayments
Other loans and monthly commitments may affect the amount a provider is willing to consider.
Credit history
Some providers consider credit history and repayment records as part of their assessment.
Loan purpose and security
For secured finance, property or asset details and legal/valuation checks may apply.
Prepare for the conversation
Questions worth asking the provider.
What is the total cost?
Ask for the interest rate, processing and other fees, taxes if applicable, insurance if required, and the total repayment obligation.
What documents are required?
Get a category-specific list directly from the relevant provider, and confirm a secure submission channel.
Is approval guaranteed?
No. Eligibility guides are general information; only the provider can assess an application and communicate a decision.
Can I apply before deciding?
First ask whether the next step is only an enquiry or a formal application, and understand any credit-check implications before consenting.